PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Bank of Princeton

Princeton, MO · Cert 1628

FDIC

Q4 2002

$43.2MAssets
$31.1MLoans
$38.9MDeposits
$4.0MEquity
Loan mix
85%RE $18.6M14%C&I $3.1M0%Consumer $0.0MQ4 2001Q4 2002
Deposit mix
90%Interest-bearing $35.1M10%Noninterest $3.8MQ4 2001Q4 2002

NIM

7.94%Q1 ’017.91%Q4 ’016.79%Q4 ’02+10%+2%

Non-interest income vs. expense

2.53%Q1 ’012.51%Q4 ’012.57%Q4 ’02-5%+1%

Executive Summary

  • Earnings: ROA of 1.55%, up 33 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 80.02% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.55%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+9 bps YoY

Efficiency Ratio (YTD, annualized)

54.19%-25 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.22%1.85%1.66%1.64%1.55%+33 bps
Return on Equityn/a20.28%17.74%17.10%16.20%n/a
Net Interest Margin3.95%3.68%3.92%4.15%4.04%+9 bps
Efficiency Ratio54.44%56.62%55.36%53.71%54.19%-25 bps
Non-Interest Burden1.85%1.81%1.87%1.90%1.87%+2 bps
Growth
Asset Growth (YoY)-1.16%7.61%4.84%5.64%6.91%+807 bps
Loan Growth (YoY)5.69%2.21%1.65%4.67%3.91%-179 bps
Deposit Growth (YoY)-2.15%7.18%4.28%5.09%6.75%+889 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%-1.44%-0.09%-0.07%0.04%-7 bps
Allowance / Loans1.79%1.81%1.47%1.42%1.35%-44 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.17%14.63%14.38%14.37%14.30%+13 bps
Equity / Assets8.97%9.22%9.93%10.28%9.35%+38 bps
Liquidity & Funding
Loans / Deposits82.21%80.28%86.34%91.20%80.02%-219 bps
Liquid Assets / Assets0.15%0.18%0.20%0.15%0.37%+22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a